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    • FE499A8C-69E2-4D9A-9F00-8F3B570A546F.pdfFE499A8C-69E2-4D9A-9F00-8F3B570A546F.pdf Hi , I attached letters as described 
    • FSO is orchestra..FOS. erudio wont go anywhere near a court with this. your main issue is you keep poking the bear..and using the phone. they cant enforce them and they cant refuse back dated deferment.   get our copy of the old blank SLC deferment form from the home page of this SLC forum. filling out copies for the years you could/did not defer   send them off to erudio with a covering letter that you will not be entering into any further discussions over the issues   let 'em sweat.   as for admission, well you've got to do that anyway.
    • There's plenty information in the links I have provided which would suggest so...a deed must be witnessed ..not necessarily independent..but without three signatures its validity must be questioned.   See what your Solicitor thinks.
    • It seems there are a number of issues here. The first is that the matter was heard in your absence even though you informed the court that you would not be able to attend the hearing. It is most unusual for a court not to allow an adjournment for a minor motoring matter when the defendant has asked for one and has a good reason for asking.   Unfortunately, pleading guilty to speeding was the worst thing you could have done. They have no evidence that you were driving (that comes from you providing your details). When I asked you earlier whether you intended to ask for the usual “deal” (to drop the FtF charge in exchange for pleading guilty to speeding) I assumed you knew that you must maintain Not Guilty pleas to both matters until the deal was agreed. What I don’t understand is why you have not been convicted of speeding in view of that plea (and, as mentioned, how you didn’t land up with nine points).   The fine and costs seem to have been based on the default weekly income of £440 per week (the fine is 1.5 times weekly income). So, unless the income you stated was coincidentally £440 pw, it seems the statement of income you provided has not been used.   This is a mess, some of it down to you and some, it seems possibly down to the court. An appeal to the Crown Court is not advisable. You have not mentioned why you failed to provide the driver’s details but without you being there to offer a defence (and it’s a difficult charge to defend anyway) you were probably properly convicted of that. You were also lucky not to have been convicted of speeding. If you appeal against conviction to the Crown Court it will almost certainly fail and you may end up with a speeding conviction plus the Crown Court costs (which may be around £1k) into the bargain.   I believe your avenue of approach should be to the Clerk to the Justices of the area where the court is (details are available online from HMRC website). You should asked for the matter to be reopened under Section 142 of the Magistrates’ Court act. Paragraph 1 of that section says this:     Power of magistrates’ court to re-open cases to rectify mistakes etc. (1)    A magistrates’ court may vary or rescind a sentence or other order imposed or made by it when dealing with an offender if it appears to the court to be in the interests of justice to do so; and it is hereby declared that this power extends to replacing a sentence or order which for any reason appears to be invalid by another which the court has power to impose or make.   You should make your request on the grounds that you were refused the adjournment you requested, were not informed of that refusal, and therefore had no opportunity to attend your hearing. I would attach a copy of your original request. You were therefore not able to properly state your case. You can also state that you were not fined in accordance with your means (though be a bit careful with that if your income is significantly above £440 pw).   The issue really is that, faced with being unable to attend the hearing and learning only a short time beforehand that your adjournment had not been granted you were panicked into action that you had not properly considered (i.e. pleading guilty to speeding). I would not, however, put it like that (because that is what you intend to do anyway if you get a fresh hearing and are able to do a “deal”). The deal with the prosecution is conducted routinely every day and will be well known to the Clerk to the Justices, the prosecutor and the Magistrates. But you need to secure a fresh hearing, have the original conviction set aside, and start anew. A request under S142 is the only way to achieve that so I hope you succeed. You may want to seek legal advice to help you with the above. Alas to get representation in court will almost certainly cost you more than you might save but bear in mind you now have an endorsement code MS90 on your licence. Insurers absolutely hate that (because they wonder what you might have done that you didn't want to accept you were driving) and it will increase your premiums for up to five years (might be worth getting a couple of dummy quotes to see the effect).   I don't think I can help much further but if so le me know.  
    • Thanks for the response Andy.   That is correct, there is no third signature, the blanked out sections are my own name and signature. The deed was only signed by my self and the bank manager that dealt with me, so only 2 signatures.    Would you assume the deed is invalid?
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    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
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      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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blueskies

Egg successes.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2318 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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You are entitled by strict law to obtain back statements from Egg itemising all debits and credits. This will come from Egg in a pile of papers one inch thick for a cost of £10. This will take a long time, possibly 6 weeks. Egg will also provide the option of back statements only for £5, coming much faster.

 

Until you have itemised statements it is not easy to find out what went wrong, and what can be challenged, what unlawful penalty charges are available for reclaim, including unlawful interest based on unlawful charges.


 

 

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You are entitled by strict law to obtain back statements from Egg itemising all debits and credits. This will come from Egg in a pile of papers one inch thick for a cost of £10. This will take a long time, possibly 6 weeks. Egg will also provide the option of back statements only for £5, coming much faster.

 

Until you have itemised statements it is not easy to find out what went wrong, and what can be challenged, what unlawful penalty charges are available for reclaim, including unlawful interest based on unlawful charges.

 

Of course, don't forget to check if you are paying PPI premiums in your repayment as well.

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Thanks for the info, I will now check into what you have said. First will have to get the statements or perhaps they can be obtained online? Anybody know if this is the case? Re the termination, yes I was one of the ones unilaterally terminated. Any comments on getting a settlement figure?

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If you have no PPI to claim back and you have not defaulted on payments, then you don't have to pay 150 a month, you can repay the minimum

 

Also, if you don't pay or settle it will adversely affect your CRA status. If this doesn't matter to you, you could always threaten not pay any more unless they will.settle try making an offer. Expect no at first

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Thanks for that, I have no intention of not paying, but would like a settlement figure as I have paid horrendous amount of interest to date. Also I have not defaulted but cancelled the direct debit a couple of weeks ago to make them actually write to me as I could not get anywhere online. So, you reckon if I make an offer of say £1200 that would be worthwhile trying?

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I have a number of debts which I am unable to service, but thought it worth posting my experience with Egg, to whom I owe around £25k across a loan and card. When I moved to Spain nearly 2 years ago, and my finances had reached a low ebb, I notified all my creditors of my new address in Spain, but still had mail forwarding from my old UK address. I no longer have a UK address or mail forwarding, but long before that happened, Egg wrote to me to tell me that the T & Cs said that you had to be a UK resident to be a customer. I told them that I was no longer living in the UK, and changed my address on their website. They kept changing it back to the old UK address, and I tried several ideas, but the best came from my wife. I changed the address to Egg's address, and 18 months later, have not heard anything at all from them. I realise that one day, they will get in touch, but I am shocked that such a large amount is not receiving any personal attention from them. They even have my Spanish mobile number!

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Just about says it all about Egg and their efficiency!! Wise man going to live in Spain!

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I wish all of my creditors took the same line........

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A low settlement will affect your credit rating, if that is important to you. Personally, I have settled at 10% in the past, but after a long didpute. It depends what your situation is. If I were you, I wouldn't settle.for mote than 10%. There again, I wrote off quite a few thousand-see my threads on here!

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I initiated a PPI claim against Egg about a year ago. A cheque has now arrived through the post from Barclaycard for the outstanding plus the 8% interest.I just have to strike up a plan to clear the remainder.B

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Egg Banking and Bryan Carter - just come out of the District Judges Chambers.

 

Egg credit debt from 2000. Debt repeatedly sold after court action raised against me.

Idiots continued claim after notice of assignment received, (I copied these and sent them to the court). They never even showed up at court. CASE DISMISSED. Had no legal right to pursue me but still sent a statement from Ms Lucy Penfold (trainee solictor for them) only 3 days before the hearing.

 

ANYONE FACING LITIGATION FROM BRYAN CARTER WHERE THEY ARE REPRESENTING EGG BANKING, CHECK YOUR NOTICES OF ASSIGNMENT as I'm pretty sure they have sold them all onto Barclaycard who have just sold them again to ARROW GLOBAL. These morons seem to act vexatiously and get away with it.

Considering a counter-claim for miss-sold PPI.

Anyone else not received statements from them? This invokes their T & C's No 17. You have to contact them and it costs you money on your account of a minimum £2 each time. Unfair relationship without a doubt IMO.

 

Love to hear other opinions on this.

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Hi,

Can anyone please tell me where I can find a template letter to request information about PPI on my Eggcard/Egg loan which I got from Egg between 2001 and 2005.

I don't have any information about both accounts as the loan was fully paid off and the Eggcard account closed in 2006.

Any info will be very appreciated.

 

Realgem

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Hi,

Can anyone please tell me where I can find a template letter to request information about PPI on my Eggcard/Egg loan which I got from Egg between 2001 and 2005.

I don't have any information about both accounts as the loan was fully paid off and the Eggcard account closed in 2006.

Any info will be very appreciated.

 

Realgem

 

Best to start your own thread in the PPI forum here

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?111-Payment-Protection-Insurance-(PPI)

 

SAR is the first step and there is a template in the CAG library, top left of each page in green.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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I cannot find what I am looking for and may need to open a new posting site (how do I do that ?) I have now received a letter from Marlin Capital Europe saying that they have been assigned the debt from Barclaycard who had earlier taken over the debt to EGG BANKING. I WAS ONE OF 161,000 Egg C/C holders who were cancelled whilst not in arrears a few years ago. I am trying to findf out how these former holders are getting on...........................................................

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I cannot find what I am looking for and may need to open a new posting site (how do I do that ?) I have now received a letter from Marlin Capital Europe saying that they have been assigned the debt from Barclaycard who had earlier taken over the debt to EGG BANKING. I WAS ONE OF 161,000 Egg C/C holders who were cancelled whilst not in arrears a few years ago. I am trying to findf out how these former holders are getting on...........................................................

 

There were merely 83 pages of postings on this subject before the thread was closed to further postings in 2011.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?136848-Termination-of-Egg-credit-card-agreement/page83

 

The final posting on page 83 sums up what was actually happening in 2011. If you wish to know what has transpired since then, best to PM the posters in the latter stages to find out if anything new happened.

 

Ps. You might like to click User CP at the top, then select options for posting -- switch from WYSIWYG to Standard Formatting then save. That way your posting will retain paragraph breaks as typed in.

Edited by Mistermind

 

 

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